Imrah

I've got one hand in my pocket and the other one is baking a cheesecake

[𝙶𝚊𝚠𝚞𝚔𝚊 𝚔𝚊𝙼𝚐𝚎𝚐𝚎𝚍𝚕𝚊 @Somlimokazi]

Date him like you will one day be 9 months pregnant, exhausted and completely dependent on him. Date him like your parents just passed away and he is your only support system. Date him like the world is ending and he is your main hope for you and your family’s protection and survival.

Would you still choose him?

[Nithya Shri @Nithya_Shrii]

I’m convinced 98% of my problems could be solved with more money and three-day weekends.

[Aaron @LibertarianZA]

A hard lesson from administering my late mother's estate: read the fine print on life rights before your parents sign one.

For those unfamiliar: a life right is a popular retirement-village model in South Africa. You don't buy the property. You pay a large lump sum (often R2m+) for the right to occupy a unit for the rest of your life. The operator retains ownership and the title.

When the holder dies, here is what nobody really explains up front.

1. The operator takes a fixed chunk regardless of how long you lived there. Typical contracts deduct around 40 percent of a notional "Listing Consideration" as the operator's effective fee, amortised over five years. If your loved one lives in the unit for two years, three years, or even just under five, that 40 percent disappears anyway. My mother paid R2 million in 2021. Five years later, the estate stands to receive less than half of it back.

2. The estate keeps paying levies after death. Indefinitely. The contract terminates automatically when the holder dies. But you, as the estate, remain liable for the full monthly levy, rates, and consumption charges until the operator finds a new buyer. There is no deadline. No reasonable-time obligation written in. We are six weeks past hand-over and the invoices keep arriving.

3. The estate cannot use, let, or even allow family to enter the unit. The right to occupy was "personal in nature." It died with the holder. The estate cannot put a tenant in, cannot let it on Airbnb, cannot even allow family to stay there without the operator's written consent. Every mitigation lever sits with the operator at their sole discretion.

4. The operator has zero incentive to re-sell quickly. They hold your capital interest-free until a buyer is found. They earn the levy every month you wait. They earn a remarketing fee on re-sale. The longer they take, the better for them. The worse for you.

5. The contract usually contains a CPA exemption-by-design. Most of these schemes acknowledge the Consumer Protection Act on paper, then carve themselves into clauses that allow exactly the kind of one-sided continuation of obligations the CPA was meant to police. Sections 48 and 52 of the CPA, and the Constitutional Court line on fairness in contract (Barkhuizen, Beadica), give real grounds to push back. But you have to know to push.

If you or a family member is considering a life right, please:

- Read the full agreement including every annexure, not just the marketing brochure.
- Model the worst case: holder dies within 3 to 5 years of taking occupation.
- Calculate the estate's expected net return, including post-death levy bleed if re-sale takes 6 to 12 months.
- Get independent legal advice before signing. Not advice from the village's referred attorneys.
- Ask explicitly: what is the operator's contractual obligation to re-sell within a reasonable time? If the answer is "none," walk away.

There are genuinely good retirement villages and well-structured life rights out there. But the structural risk to the estate is rarely disclosed up front.

If you've been through this and want to compare notes, please reach out.

[Imrah @ImrahA]

@IncConnection I only require my refund at this point as I ordered the product from another retailer yesterday and will be receiving it tomorrow.

[Imrah @ImrahA]

@IncConnection The service received for an online order placed in April has been really disappointing. I will definitely not be placing any further orders.

[Imrah @ImrahA]

@IncConnection After placing an order on 24 April and following up numerous times, on 11 May I was informed the warehouse had cancelled my order and I'd have to wait 7 to 14 days for refund.

[Imrah @ImrahA]

@TAKEALOT Hi, I've already sent a DM with the order details

[Imrah @ImrahA]

@TAKEALOT I've sent you a DM about a long delayed order

[Imrah @ImrahA]

@FlySafair

[Imrah @ImrahA]

@expressoshow I would like to dine with my husband and my parents. Bonding over a meal is what keeps us close #MWValentinesWithExpresso

[Imrah @ImrahA]

@expressoshow @WOOLWORTHS_SA I would love a fragrance hamper #WooliesValentines

[Jade Francomb @jadefrancomb]

haaate that couch sleepy does not transfer to bed sleepy......

[Imrah @ImrahA]

@expressoshow I would love to win this so that my son can enrol for a degree at STADIO. He completed a higher certificate there and made the Dean's List #STADIOHigherEducation

[maddie @livswineglasss]

girls be like: im watching my comfort tv show

The show:

[Imrah @ImrahA]

@StandardBankZA My Sub B (yes, I'm that old!) teacher took me under her wing and even when I moved to a different school, she was still a part of my life. Her kindness has always stayed with me #SBLove💙

[Imrah @ImrahA]

@expressoshow I'm Team Colour with the colouring pens- emphasizing key points using different colours and making borders around my pages #ArtlineAfrica

[Laroi ⚖️ @fwlaroiski]

The weird thing about reading so much as a child and gaining a huge vocabulary from that is I can't define a lot of the words I use, I just...know that they would fit correctly in a specific sentence? Does anyone else experience that?

[Imrah @ImrahA]

@LingDeeYoh I'm so sorry for your loss. May your dear mom Rest In Peace 🤲

[Whemïmor @hy_wemmy]

If you have the money, pay for the comfort. There’s no award for suffering.

[Intel Lady @intel_lady]

Girls: Have one of these in your bag wherever you go. You never know when you'll be struck with period pains etc. Be careful not to get any in your eyes though, it's almost like being pepper sprayed- which you MUSTN'T carry because that's illegal in the UK.